Insurance over 80. (1 Viewer)

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Lavender1

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Feb 18, 2023
77
87
Lincoln, UK
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Auto Sleeper Kingham
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Since 2009
Hello everyone. My partner is a very fit 82 year old but having problems with health insurance. our Insurers, Tesco, will not insure him for more than 15 days. We like to travel abroad and have taken the chance but he had a heart attack, out of the blue, October 22 and, whilst 2 stents later, is fit, if it had happened whilst we were touring France a couple of months previous, without insurance, we would have been in the 💩. We want to FA0C6B21-9D91-434B-9FBE-DF2539431E9E.jpeggo to Croatia in September but nervous now without insurance. How do other golden oldies manage?
 
Aug 19, 2013
3,083
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since 2004
I was with ccc until my 70s, when they started making noises about my age, so I moved to a variety of specialised companies, and ended up with Comfort about 7 years ago. I had my van stolen just after I passed the 80 mark. They paid out in full with no fuss. I was very pleased that Comfort renewed my cover in the Autumn of 22, but they did almost double my premium. So it maybe worthwhile approaching them. Just my experience of them.
 
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Mar 9, 2022
383
396
Kent, UK
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87,341
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Bessacarr E412
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Since 2007
Watching with interest. We use Nationwide FlexPlus account, and pay the extra for being over 70 (though we’re not quite as senior as you). However, you might just run into insurers not being happy about pre-existing conditions. You might need to search for brokers who specialise in motorhoming - though they will probably be expensive. Two lessons from my experience - you never need insurance until the day you need it; and - if you don’t tell them all the facts, you’re wasting your money as they’ll wriggle out of it.
 
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denisejoe

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Aug 6, 2014
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There are several companies who will insure over 80s. Have you tried Staysure and LV? Both of those cover over 80s so worth a try.

Might be worth using the comparison sites like Compare the Market and Money Supermarket.
 
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Aug 19, 2013
3,083
4,521
Wells, Somerset
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MH
Elddis 115
Exp
since 2004
Watching with interest. We use Nationwide FlexPlus account, and pay the extra for being over 70 (though we’re not quite as senior as you). However, you might just run into insurers not being happy about pre-existing conditions. You might need to search for brokers who specialise in motorhoming - though they will probably be expensive. Two lessons from my experience - you never need insurance until the day you need it; and - if you don’t tell them all the facts, you’re wasting your money as they’ll wriggle out of it.
My insurers are fully informed. I say insurers because I also had difficulty in insuring a car. It had to be a different insurer to the van because Comfort did not want to do car insurance but suggested I go to a price comparison site. I had a dozen quotes but they all melted away when I approached them, even though I had stated my age. But for one, Vitality, who where quite happy with that. At a premium. About £550. Which is about what the van was prior to the theft.

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Lavender1

Lavender1

Free Member
Feb 18, 2023
77
87
Lincoln, UK
Funster No
94,089
MH
Auto Sleeper Kingham
Exp
Since 2009
I was with ccc until my 70s, when they started making noises about my age, so I moved to a variety of specialised companies, and ended up with Comfort about 7 years ago. I had my van stolen just after I passed the 80 mark. They paid out in full with no fuss. I was very pleased that Comfort renewed my cover in the Autumn of 22, but they did almost double my premium. So it maybe worthwhile approaching them. Just my experience of them.
It’s health insurance. For the van, we are with Caravan Guard. Premium for the two of us to drive, continental cover about £500.
 
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irnbru

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Jun 27, 2013
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Try Churchill, I recently got insurance for my 82 yr old mum through them with pre existing conditions.
 
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Lavender1

Lavender1

Free Member
Feb 18, 2023
77
87
Lincoln, UK
Funster No
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Auto Sleeper Kingham
Exp
Since 2009
There are several companies who will insure over 80s. Have you tried Staysure and LV? Both of those cover over 80s so worth a try.

Might be worth using the comparison sites like Compare the Market and Money Supermarket.
Staysure and Avantiare the same and have terrible reviews if you need to claim.
 
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Lavender1

Lavender1

Free Member
Feb 18, 2023
77
87
Lincoln, UK
Funster No
94,089
MH
Auto Sleeper Kingham
Exp
Since 2009
Hello everyone. My partner is a very fit 82 year old but having problems with health insurance. our Insurers, Tesco, will not insure him for more than 15 days. We like to travel abroad and have taken the chance but he had a heart attack, out of the blue, October 22 and, whilst 2 stents later, is fit, if it had happened whilst we were touring France a couple of months previous, without insurance, we would have been in the 💩. We want to View attachment 729080go to Croatia in September but nervous now without insurance. How do other golden oldies manage?
Watching with interest. We use Nationwide FlexPlus account, and pay the extra for being over 70 (though we’re not quite as senior as you). However, you might just run into insurers not being happy about pre-existing conditions. You might need to search for brokers who specialise in motorhoming - though they will probably be expensive. Two lessons from my experience - you never need insurance until the day you need it; and - if you don’t tell them all the facts, you’re wasting your money as they’ll wriggle out of it.
Absolutely. There was a case on tv recently. The lady, (not ancient) went to Spain and, whilst there, had a brain tumour. It cost £65000 and the insurance company (didn’t unfortunately say who) are refusing to pay because she didn’t declare she went to GP with a headache 2 years ago.
Nothing detrimental was diagnosed at the time😡. My partner had travel insurance through Lloyds Bank but that ceased at 80😧. Awful getting old.
 
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Sep 17, 2020
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Bailey Autograph 745
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Since Sept 2020.
We've used Oktotravel for mother in law, 86 with COPD, Asthma and high blood pressure. Their prices went up post COVID but we've found them good to deal with.

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Lavender1

Lavender1

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Feb 18, 2023
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Lincoln, UK
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Auto Sleeper Kingham
Exp
Since 2009
Yes, to be clear it’s travel insurance not health. I thought I would finish Barry off and we are going “raving in Benidorm“ in April🤣😂. Tesco agreed to Insure him, for 10 days, subject to his GP writing a letter to confirm he is up to it🤔. He might have to do a couple of disco dances for her to pass. It has cost £350 plus £180 for me. Don’t think anyone will insure him for 4/6 weeks to go abroad in the van.
 
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Lavender1

Lavender1

Free Member
Feb 18, 2023
77
87
Lincoln, UK
Funster No
94,089
MH
Auto Sleeper Kingham
Exp
Since 2009
We've used Oktotravel for mother in law, 86 with COPD, Asthma and high blood pressure. Their prices went up post COVID but we've found them good to deal with.

Interesting. Any idea of the premium please.
 
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Sep 17, 2020
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Interesting. Any idea of the premium please.
I remember it being about £200 for a week, which we wouldn't normally do, but there were reasons to get her back in the saddle so to speak. They did say longer trips aren't necessarily that much more expensive, and given her health it was that or no travel.
 
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Lavender1

Lavender1

Free Member
Feb 18, 2023
77
87
Lincoln, UK
Funster No
94,089
MH
Auto Sleeper Kingham
Exp
Since 2009
I remember it being about £200 for a week, which we wouldn't normally do, but there were reasons to get her back in the saddle so to speak. They did say longer trips aren't necessarily that much more expensive, and given her health it was that or no travel.
Thank you
 
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